If you need life insurance after a heart attack, we can help you get the coverage you need.
Heart Attack Overview
We’re going to help you get affordable life insurance from companies that specialize in heart conditions.
Getting life insurance after a myocardial infarction is complicated and costly if you end up with the wrong life insurer.
Most life insurance companies want nothing to do with you after your attack. If you pick one of those carriers, you’ll get declined or receive some terrible offer.
But it doesn’t have to be this way when you follow our advice.
How to Get Life Insurance After a Heart Attack
The key to getting affordable life insurance is working with someone who understands how life insurance for heart attack victims works…
We take the time to learn about the details of your medical history…
And yeah, we do ask a lot of questions upfront but do this so we can be your best advocate with the life insurance companies.
Once we have your health history, we use a quick quote process to shop for underwriting offers.
A quick quote is simply a medical summary that we shop to life insurance companies that specialize in heart attacks. The benefit is that’ll we’ll have underwriting feedback in 3-5 days from all companies.
At that point, we can provide you with life insurance quotes based on your individual medical history, whether you want term life insurance, universal life or whole life insurance.
What’s the catch?
There’s no catch. With our service, there is never any obligation or pressure. We give you the information you need to make an informed decision about your life insurance.
After we discuss your quotes, simply tell us to close your file if you’re no longer interested.
But, if you’ve come this far, maybe you’re willing to come a little further?
Heart Attack Underwriting Questions
Underwriters want to know the following:
- How old were you when you had a heart attack?
- Did you have more than one heart attack?
- What caused the heart attack?
- Did you have bypass surgery?
- If yes, how many arteries and which ones were bypassed?
- Did you have angioplasty (stents) completed?
- If yes, how many and which arteries?
- Have you completed cardiac rehab and follow-up testing?
- What tests were performed? (stress test, echocardiogram, cardiac catheter)
- What was your left ventricular ejection fraction (LVEF) if known?
- Were the results from the follow-up stress test normal or abnormal?
- Were any other heart issues discovered? Angina, arrhythmias, atrial fibrillation, etc.
- Do you have high blood pressure?
- Do you have any other health issues?
- What medications do you take?
- Are you a smoker or a non-smoker?
- If you quit, when did you quit?
- What positive steps have you taken since to improve your health?
We get that you may not know the answers to all of the above and that’s okay…We can tell you what to ask your cardiologist for OR we can work with the details you have available right now.
Life insurers look at the severity and damage to your heart, the number of arteries affected, treatment received and your current health when determining the availability and pricing of life insurance.
Ready to start shopping for affordable life insurance?
Please take a few minutes to submit your life insurance quote request. You’ll receive an email within minutes with all underwriting questions.
The following are the most common heart attack questions we receive:
I’ve specialized in high-risk life insurance underwriting since 1998, helping people find affordable life insurance after their heart attack. While you wouldn’t want me to operate on you, I study the risks and underwriting manuals to ensure you get the best result.
Yes, although you may have to wait a while (postpone period) before term life insurance or universal life insurance is available. For some people, a small guaranteed issue policy may be available right away.
A common postpone period is 6 months, although some mild heart attacks may be insurable in 3 months, while more severe cases will require 12 months.
Heart attacks negatively affect life insurance rates by adding an additional 50-200% expense called a life insurance table rate. Life insurance rates tend to improve as more time passes since the heart attack.
Yes, life insurance will pay your beneficiaries if you died from a heart attack. If you bought a guaranteed issue life insurance policy, this policy would only pay the death benefit if you died in year 3 or later.
Yes, many times the reason for a decline is that you ended up with the wrong life insurance company that does not understand heart attack life insurance underwriting. We’ll get you to the right life insurance company.
With coronary artery disease (CAD), underwriters will not only look at your medical history but will also want to know about any family history of your parents and/or siblings having heart problems.
Heart Attack Life Insurance Conclusion
Life insurance after a heart attack is available, but you have to work with an expert who understands how high-risk life insurance works.
We’re fanatical at what we do. I work to get all my clients the best possible life insurance rate based on your individual medical history.
If one life insurance company won’t offer you what you deserve, we’ll keep going until you get rate possible.
Please take a few minutes to submit your quote request, you’ll be glad you did.
Even if you’ve already applied elsewhere.
There is never any pressure or obligation with our service. Should you change your mind, simply tell us to close your file.
Thank you for your time. I look forward to helping you.
Michael J Horbal
I’m the owner of RiskQuoter. We specialize in life insurance underwriting, helping you get the best rates whether you have perfect health or a history of medical problems.
Last Updated – January 27, 2021